Greater Clarity, Better Planning

Greater Clarity, Better Planning

How The Latest Tax Code Updates Support Your Life & Legacy

For years, tax uncertainty shaped the way we planned. Now, with the recent passage of the One Big Beautiful Bill Act (OBBBA), we can move forward with clarity.

“This new legislation gives us more certainty in a space that’s often full of gray areas,” shared Founder and President John Vance. “Before, we were planning around the risk of a major tax code sunsetting in 2026. Now that many of those provisions are permanent, we can stop guessing and start optimizing.”

For years, the potential rollback of the 2017 Tax Cuts and Jobs Act added a layer of uncertainty to even the most thoughtfully constructed plans. Should clients accelerate gifts? Convert more Roth now? Plan for higher tax brackets ahead? Much of that strategy hinged on what might happen in Washington.

But with the OBBBA now in effect, long-term clarity is back on the table.

“At Vance Wealth, our tax philosophy is centered on lowering your lifetime tax bill—not just this year’s,” John explained. “That means coordinating with your CPA, taking the long view, and making sure every move supports your bigger picture.”

While headlines have focused on business and corporate provisions, there’s plenty in the new law that impacts individuals and families, especially when it comes to estate planning, retirement strategy, and state and local tax deductions. That’s why our team is actively reviewing each client’s plan to ensure they’re positioned to benefit from the new rules.

“This is one of those rare moments in planning where the fog lifts,” John shared. “It’s our job to use that visibility to your advantage.”

If you haven’t revisited your tax strategy recently, now is an ideal time. With the right guidance, this next chapter of tax law can become a powerful tool for achieving more.

Steady Individual Rates

The OBBBA permanently extends many of the tax rates and deductions introduced in 2017. For you, that means fewer surprises and a stable framework for long-term planning.

At Vance Wealth, we see this as a foundation we can build on—layering in your goals, timelines, and legacy with greater confidence.

SALT & Estate Expansions

For high-net-worth families, the temporary expansion of the SALT deduction (up to $40,000 for many taxpayers) offers short-term relief, especially in high-tax states.

Meanwhile, the extended lifetime gift and estate exemption creates new opportunities to transfer wealth efficiently. Our team works with you to align these changes with your broader plan—so every move supports what matters most.

Limited-Time Windows

While some changes are permanent, others create narrow windows for action through 2028. Think Roth conversions, charitable giving, and income timing strategies.

We call these “planning sprints”—times when clarity and timing meet. As your financial quarterback, we help you identify and execute the right moves at the right time.

Looking Forward

With this legislative reset in place, we believe we’re entering a decade where tax strategy can serve as a true competitive edge for families and individuals striving to live fully and sustainably.

You deserve peace of mind—not confusion about what might happen next.

If you haven’t recently reviewed your tax strategy under this new law, now is a strong time to do so. At Vance Wealth, we’re ready to walk you through what’s new, how it intersects with your life and goals, and what simple next steps make sense.

Ready to take the next step? Book an appointment with our team.
Let’s achieve more—together.

⚖️ Disclosure

Vance Wealth, LLC (“Vance Wealth”) is a registered investment advisor. Advisory services are offered only to clients or prospective clients where Vance Wealth and its representatives are properly licensed or exempt from licensure. The information provided is for educational purposes only and does not constitute financial, tax, or legal advice. Consult your tax advisor or attorney regarding your individual circumstances.